Welcome to 14681 Choco Road, an exceptional golf course estate offering space, style, and resort-inspired living in one of Apple Valley’s most desirable locations. Perfectly situated with direct access to the beautiful Apple Valley Golf Course, this impressive residence combines stunning views with an entertainer’s dream floor plan. At the heart of the home is a beautifully updated kitchen, thoughtfully designed with modern finishes, ample cabinetry, and generous prep space for everything from everyday meals to large gatherings. The expansive layout flows seamlessly into multiple living and entertaining areas, creating the perfect environment for hosting family and friends. This one-of-a-kind property features two separate bar areas—one upstairs and one downstairs—offering endless opportunities for entertaining. Whether you’re hosting game day, holiday celebrations, or enjoying a quiet evening overlooking the golf course, this home was built for making memories. Step outside to your private backyard retreat complete with a sparkling pool, spacious patio areas, and breathtaking fairway views. Enjoy the convenience of golf course access, allowing you to fully embrace the golf lifestyle right from your backyard. Adding even more value, the home includes a solar lease to help offset energy costs while supporting efficient living year-round. With 7 bedrooms, 5 bathrooms, incredible indoor-outdoor living spaces, an updated kitchen, dual entertainment bars, pool, golf course access, and stunning views, 14681 Choco Road offers a rare opportunity to own a truly exceptional Apple Valley estate.
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Save search” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
